Before buying a house, you may wish to understand the difference between the two before making a judgment that meets your own needs and preferences.
Choose a second-hand house because:
(1), cheap and negotiable.
The transaction price of second-hand houses is determined through negotiation between buyers and sellers, especially the houses that sellers are eager to sell due to financial difficulties, which are often lower than the market price.
The new price is generally the market price at that time, the land resources are getting more and more tense, the cost of developers is getting higher and higher, and the price of new houses continues to rise.
(2) The choice space is large.
When buying a second-hand house, you can choose the area, community, lot, apartment type and floor you want, and what you see is what you get. Everything is visible and tangible.
Land approval and construction are generally not in the central area, so buying a new house and a new community is very fixed and the choice is small.
(3), complete sets
Second-hand houses are generally closer to popular business districts than new houses, and the maturity of communities is relatively high. Generally, there are schools, vegetable markets, hospitals and supermarkets with convenient living and transportation.
If you want to buy a house in a rare location, you may have to buy a second-hand house.
(4) Low risk
The most important thing to buy a house is the quality of the house. The quality and property rights of second-hand houses are visible.
Most of the new houses are auction houses, and there may be serious discrepancies between the contract and delivery. There is no such risk in second-hand housing.
After several years of use, the potential problems of the house have been exposed. As long as you look at the house carefully, it's easy to see.
Choose a new house because:
(1), Easy Loan
No matter whether the new house uses provident fund loans or commercial loans, it can be directly borrowed from banks that cooperate with developers, and the procedures and approval are relatively simple.
Relatively speaking, second-hand housing loans are more difficult. In order to avoid risks, most banks will take the age of the house as the main condition affecting the loan period, and it is difficult for commercial houses with a house age of more than 30 years to borrow money to buy a house.
Even if loans can be made, banks will reduce the loan ratio or loan term, thus increasing the pressure of down payment or repayment.
(2) Low taxes and fees
The taxes and fees to be paid for new houses mainly include deed tax and housing maintenance fund, while the taxes and fees involved in second-hand housing transactions include deed tax, personal income tax, value-added tax and land transfer fee. There are many kinds and complicated calculation methods.
In addition, the tax collection ratio of various taxes and fees of second-hand houses also has a great relationship with the situation of the house itself. Whether it is "full of five talents", whether it is full of two, whether it is an ordinary house or an ordinary house, will have an impact on the total amount of taxes and fees that second-hand houses need to pay.
(3) simple process
The process of buying a new house is "house purchase qualification review-house inspection and house selection-subscription and signing-payment-loan-house collection and house inspection-occupancy". Generally, just bring enough materials to the sales office, and other developers will help.
Second-hand housing is much more troublesome, including more than a dozen steps such as looking at the house, paying the deposit, signing the agreement, approving the loan, signing the loan contract, transferring the ownership, obtaining the real estate license, and handing over the house. Among them, I need to be present at the house verification, face-to-face signing and transfer.
(4) New house
The new house type is more in line with modern people's living concept, with novel appearance, brand-new supporting facilities, no loss and complete functions.
Factors to consider when buying a house:
(1), a lot.
The classic theory of real estate is "lots, lots, lots". No matter in which city, the primary factor affecting housing prices is the location.
Because land is scarce, new houses are always scarce, and the second-hand housing market is relatively large.
(2), supporting
Whether the house has public facilities such as schools and hospitals is also an important factor affecting the willingness and price of buyers.
(3) Price
The unit price of new houses in the same lot is usually higher than that of second-hand houses, but the characteristics of real estate determine that its substitution is different from ordinary goods.
In addition to the unit price, the factors that affect the total price also include the housing area. Therefore, buyers need to choose a house with appropriate unit price and total price according to their own strength and ability to pay.
(4) Property
The quality and price of residential property services are also considered by buyers.
(The above answers were posted on 2017-11-20. Please refer to the actual purchase policy. )
Click to view more comprehensive, timely and accurate new house information.